Stop Losing Credit Unions & Banks Customers to Voicemail
A member who spots a charge they don't recognize at 11pm needs a human now, and your branch closed at five. Sophia answers every after-hours call, verifies identity to your policy before any account detail, and routes fraud and urgent cases to the right desk, so members feel covered and your team handles the calls that need them.
a 15-min call to set her up
Live in 48 hours · you approve everything
One operator across phone, SMS, email, web, and social, for credit unions and community banks.
An answering service answers. Sophia speaks, screens, negotiates, automates, decides.
Compliance comes first. Sophia verifies identity to your written policy before sharing anything account-specific, answers only what your team approved, rates, hours, products, locations, and routes anything sensitive to a person. A front door and router, not an account handler; every interaction logged and auditable.
Typical missed-to-answered shift in the first weeks.Illustrative
How Sophia runs your front office for Credit Unions & Banks
An answering service answers. Sophia does all five.
- SPEAK: answers calls in under 2 rings, in your business name. 24/7.
- SPEAK: covers 7 channels, web forms, DMs, Google messages, WhatsApp, one voice.
- SCREEN: qualifies each lead against your rules before it reaches you.
- NEGOTIATE: handles quotes and pricing questions, holds the booking.
- AUTOMATE: books straight to your calendar, no double-booking, no callbacks.
- DECIDE: escalates what needs you; logs every channel in one dashboard.
Every channel answered. Every decision made. 168 hours a week, the work of three hires.
Not another AI tool to run. An operator you hire.
Most “AI answering” products hand you a bot to configure and a dashboard to babysit. Sophia arrives already trained and does the work.
A DIY AI tool
Software you run
- You configure it, write the prompts, and wire the workflows.
- Generic out of the box, it knows nothing about your work.
- One more app to log into, monitor, and keep alive.
- Hands you features and leaves the work to you.
- Charges per seat or per message, then needs babysitting.
Sophia
The operator you hire
- Arrives already set up and trained, nothing to build.
- Pre-trained in your trade, including the questions your customers actually ask.
- One operator who just works, across phone, text, email, web, social, and Google.
- Hands you outcomes, answered, booked, followed up, handled.
- Does the work of ~3 hires for a fraction of one salary. 168 hours a week, from $5/hour.
And she’s already trained in credit unions and community banks from day one, not a blank tool you have to teach.
What you're spending vs what Sophia costs
One operator covering all 7 channels vs. patching the gaps yourself.
| Part-time employee | DIY voicemail/IVR | Sophia | |
|---|---|---|---|
| Cost | $1,440/mo (part-time receptionist) | ~$490/mo (4 single-channel tools) | $1,597/mo (Sophia Pro) |
| Channels covered | Phone only (20 hrs/wk) | 4 of 7, still gaps | All 7. 168 hrs/wk |
| Effective rate | $18/hr for 1 channel | Partial coverage, still leaking | From $5/hr, all channels |
| Sick days · turnover | Quit twice last year | Tool churn every quarter | Never |
Across every channel Illustrative
24/7
member service, answered in seconds, not a voicemail tree
Identity-first
no account detail shared until the member is verified to your policy
Fewer
routine calls in your queue, rates, hours, and locations deflected
Average across JOOLT operators in their first 90 days.Illustrative
One operator. Five ways to pay her.
Pay-As-You-Win from $99/mo, or flat tiers, no per-call surprises.
Pay-As-You-Win
$99
+ $35/booking
Starter ⭐
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Solo · 1 location
Pro
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Most popular
Scale
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Multi-location
Enterprise
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Let's talk
Built for local businesses losing leads across every channel.
HVAC, plumbing, roofing, electrical, dental, vets, med-spas, real estate, legal, accounting, cleaning, landscape, restaurants, retail, gyms, salons — pre-trained on the 50 questions your customers ask.
See your industryQuestions credit unions and community banks ask before they hire her.
How is this different from a traditional answering service?
An answering service answers. Sophia does all five, speaks in your name, screens the lead, negotiates the booking, automates follow-up, and decides what reaches you, across phone, SMS, email, WhatsApp, and social DMs.
How fast can Sophia start answering my calls?
We forward your existing line, so calls route to Sophia within minutes, no number change. Your full 7-channel setup is live in about 48 hours.
We're regulated, how can an AI touch member accounts?
It doesn't. Sophia verifies identity to your exact policy before any account detail, answers only the general questions compliance approved, and routes everything sensitive, disputes, fraud, account changes, to your team. She never moves money or changes accounts. Every interaction is logged for your audit trail.
What happens when a member calls about possible fraud after hours?
She treats it as urgent: verifies the member, never handles the dispute over the line, and connects them straight to your fraud desk, flagged to the front of the queue, logging everything so the member never repeats themselves.
Will she give members the wrong answer about rates or policies?
She speaks only from the knowledge base your team approves, current rates, hours, products, and policies, set verbatim. When she's unsure or it's account-specific, she verifies identity and hands off to a person. She defers rather than guesses.
Every channel answered. Every decided.
Sophia speaks on every channel, screens every lead, and books the ones worth your time, live in 48 hours, the work of three hires.
a 15-min call to set her up
Live in 48 hours · you approve everything · cancel anytime